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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred American Express Hilton Honors Surpass

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Cash PreferredBigger welcome offer: American Express Hilton Honors Surpass

American Express

Blue Cash Preferred

Annual fee
$95
Network
amex
Welcome value
$250
Min spend
$3,000 / 6mo

Top earning rates

  • 6×U.S. supermarkets
  • 6×select U.S. streaming subscriptions
  • 3×transit
  • 3×U.S. gas stations

Key benefits

  • Equinox+ Credit · $10
  • Disney Bundle Credit · $7
Full American Express Blue Cash Preferred review

American Express

Hilton Honors Surpass

Annual fee
$150
Network
amex
Welcome value
$990
Min spend
$3,000 / 3mo

Top earning rates

  • 12×Hilton purchases · Hilton Honors
  • 6×dining · Hilton Honors
  • 6×groceries · Hilton Honors
  • 6×gas · Hilton Honors

Key benefits

  • Free Night Reward · $300
  • Hilton Honors Gold Status · $250
  • Priority Pass Select · $250
  • National Emerald Club Executive Status · $100
  • No Foreign Transaction Fees · $50
Full American Express Hilton Honors Surpass review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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